The government is encouraging us to stay in the workforce for longer but how many of us really want to work until we are 67 then retire on a pension? It doesnt have to be like that. You can take control of your financial destiny and Retire Richer Younger. Its never too early or too late to start planning for retirement. The sooner you start building assets, the earlier you can retire, and the more likely you are to be able to fully self-fund your retirement. But if that achievement is not possible the part-pension option may be the way to go. There are various ways of funding your retirement and superannuation and taxation experts Smith and Koken explain many of them in this book. Perhaps most importantly they explain how superannuation can help you reach your goals sooner.